If he's looking to declare BK, then he needs to see a local attorney, as already mentioned a few times. To get answers to his questions, a better place might be the Bankruptcy Forum http://www.bkforum.com/I will say, for less than $50k in debt, it seems a shame to declare BK, with all of the implications for the rest of his life. And, as already mentioned, if he's still living the $75k - $80k lifestyle, but only has $50k in income, declaring BK isn't going to resolve his problem.AJ
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